Clear numbers, calm decisions.
When you're ready for holistic, human-centered financial coaching—including calm support with 10-year tax reviews and mortgages—I'm here to walk alongside you, offering guidance that honors your unique journey.
10-Year Holistic Tax Review
If you've lived and worked in Canada for several years, there's a real chance the CRA may owe you money you were never told about—especially if your life has included moves, job changes, kids, or income shifts.
The 10-Year Holistic Tax Review is a calm, step-by-step process where we look back over the last decade to uncover missed benefits, credits, and opportunities—without blame, shame, or overwhelm.
- Review up to 10 years of filings and life events.
- Identify missed credits and benefits you may still claim.
- Keep you informed and in control at every step.
No pressure and no upfront commitment—just a short conversation to see if this review is right for you.
Who benefits most
- Families with kids, support, or changing benefits.
- Professionals who moved, changed jobs, or had income swings.
- Newcomers who weren't fully guided on Canadian tax rules.
All work is private and confidential. The CRA pays any eligible refunds directly; our role is to help you see what's possible and walk through the process with calm, clear steps.
Invited Wisdom, Shared with Heart
I'm Fanny Samaniego—a bilingual Financial Advisor, holistic coach, and licensed Mortgage Agent in Toronto. With a coordinated team, we guide professional families, executives, and business owners who want practical results without losing sight of values and peace of mind.
- Plans that fit your life—rooted in how you naturally decide and follow through.
- Optional Human Design lens to personalize communication and cadence—never replacing financial or legal fundamentals.
- Clear next steps after every call—no overwhelm.
Why We Work by Invitation
Strong financial outcomes grow from relationships built on trust and mutual fit. Every client journey begins with a meaningful conversation.
- We confirm your goals and timing before we start.
- You meet the right specialist for each step.
- We craft a plan around your strengths and decision style—while staying grounded in financial, tax, and legal basics.
Professional Confidence, Human Approach
Licensed Mortgage Agent (L2)
Coordinated Team of Specialists
Optional Human Design Personalization
Ways We Can Guide You
Financial Guidance
Clear, heart-centered support for your financial goals—anchored in your natural strengths.
- Budget & cash-flow plans you’ll actually use
- Debt strategy, credit repair & savings systems
- Optional Human Design to fine-tune cadence & accountability
Holistic Tax Planning
Practical, values-aligned strategies to keep more of what you earn—starting with options like the 10-Year Holistic Tax Review.
- Personal & small-business considerations
- Cash-flow friendly, compliance-first planning
- Seasonal reminders and prep checklists
Mortgage Guidance
Licensed advice for first homes, upgrades, refinancing, and multi-unit investments.
- Pre-approval & readiness check
- 4–10 unit properties & investment strategy
- Rate, term & structure optimization
Kitchen Table Conversations
Intimate small-group circles led by Fanny and her team—like sitting around a kitchen table—where you can ask questions, get clear answers, and leave with next steps you’ll actually follow.
Who it’s for
- First-time buyers & newcomers
- Families aligning values & budgets
- Investors exploring multi-unit (4–10)
What we cover
- Mortgage steps, rates & readiness
- Cash-flow, debt & credit strategy
- Values-aligned, stress-free planning
How it works
- Small groups (friendly & focused)
- 4 weekly sessions • 45–60 min
- Simple next-steps after each call
Helpful Tools & Articles
Tools
Simple calculators, checklists, and decision helpers to keep things moving—made to match how you actually follow through.
- Budget & cash-flow worksheet
- Mortgage readiness checklist
- Tax season prep list
Articles
Short, practical reads on mortgages, money behavior, and tax basics—no jargon, just next steps.
- First-home roadmap (Toronto edition)
- Debt strategy without the shame spiral
- Small-business taxes: what to track
Stay in the Loop
Get monthly tips, checklists, and gentle reminders—bilingual and spam-free.
SubscribeClarity grows from conversation.
No pressure, no rush—just thoughtful guidance when it's right for you.
Start a ConversationHuman Design is optional—used only to personalize communication and pacing. It never replaces financial, tax, or legal fundamentals.